I wrote a follow up article this week (Alt Fi News) on the new P2P securitisation from Zopa (Marketplace Originator Consumer Assets 2016-1). The key take away points were (i) the introduction of Fitch as a new rating agency for this class in EMEA (ii) Standard & Poor's were either not approached or the Class A note ratings were above their rating ceiling for this asset class and (ii) the absence of any 'SME' characteristics meant that European Investment Bank/European Investment Fund, unlike S-BOLT 2016-1, did not participate in this transaction.